If you’re the proud owner of a pet, pet insurance is a must. Similar to health, car, and life insurance, a pet insurance plan helps offset the cost of veterinary expenses for your pet. Medical expenses for your pet can get extremely expensive and pet insurance helps to cover those costs so you pay less out of pocket.
Comparing pet insurances is a different task compared to insurance plans you’re used to. So how do you find the best one for your pet? Two competitive pet insurance options to compare are Spot Pet Insurance Vs. Embrace Pet Insurance. Which one is the better option? Read on for an in-depth look at what each plan offers.
Competitive Benefits Spot and Embrace Offer
Both Spot Pet Insurance and Embrace Pet Insurance have excellent benefits you can enjoy as a pet owner. The companies each offer a preventative care option that promotes general health, injury prevention, wellness and dental checks, and more. If you have more than one pet, both insurances offer a multiple pet discount. Neither Spot nor Embrace requires vaccinations to be eligible for enrollment or coverage.
As with any type of insurance, your plan has a deductible. Select the option that’s best for you. With Spot and Embrace, once your deductible is met, exam fees are covered for illnesses or accidents related to covered conditions. Both insurances offer a single annual deductible and an unlimited annual limit.
Aside from general wellness and injuries, Spot Pet Insurance and Embrace Pet Insurance offer additional features to their plans which include behavioral issues, chronic conditions, dental illnesses, and veterinary specialists. Both insurances also cover hereditary and congenital conditions – such as eye disorders, heart disease, and hip dysplasia – without limitation. When selecting your plan, you also have the option of choosing an accident-only plan which is a great option if you’re only looking for coverage on hefty veterinary expenses for an unexpected accident.
Choosing the right insurance for your pet isn’t an easy decision and it’s sometimes not something you’re sure about until you’re signed up. Spot and Embrace both off a 30-day money-back guarantee so you have a chance to determine if the service is right for you and your pet.
Where Embrace Pet Insurance Falls Flat
While Embrace Pet Insurance plans offer comparable benefits compared to Spot, there are gaps in their plans that you will want to consider. Spot does not have an age limit for illness coverage enrollment whereas Embrace does have an age limit. Pets that are 15 years or older are only eligible for accident-only coverage. This limit is only placed on new enrollments, so if you secure your plan while your pet is younger, they will be locked into their coverage plan regardless of age. Embrace also places limitations on pets with ailing health whereas all pets are eligible regardless of health with Spot.
Microchipping your pet has become an essential key to keeping your pet safe should they go missing. A microchip is a small electronic device known as a radio frequency identification device (RFID). When scanned, the RFID chip transmits the identification number back to the scanner to identify the microchip. As an essential safety feature, Spot Pet Insurance policies cover microchip implantation by a veterinarian but will not cover the cost of registration, monitoring, or renewal. Embrace does not cover microchipping implantation, so you would be expected to pay for this expense out of pocket.
Some pets required dietary supplements or are placed on therapeutic diets. The associated costs can be expensive but luckily, Spot will cover these costs if the ailment is a covered condition within the policy. Embrace does not offer this coverage as part of their policy.
To make up for the costs associated with criteria that the policy doesn’t cover – such as microchipping and prescriptions – Embrace features a Wellness Rewards program to cover the cost. The reimbursement program can help lessen the financial burden of these costs.
Spot Pet Insurance Vs. Embrace Pet Insurance
Both Spot and Embrace pet insurances feature great benefits for your pet. While Embrace comes with its limitations, those might not affect you. If you don’t mind covering the cost of microchipping and aren’t worried about covering an aging pet, this insurance company could be a viable option for you. If you’re looking for an all-encompassing plan with fewer limitations, Spot Pet Insurance is the way to go. You can leave your worries behind and look forward to more cost savings.